OptimumBank Holdings, Inc. (OPHC) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of OptimumBank Holdings, Inc. $8.91, price $8.93, upside -0.3%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $2.80 – $10.10 · fair‑value band $7.62 – $16.38 · the $8.93 price screens above the $8.91 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses.
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OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.
Stock analysis
OptimumBank Holdings, Inc. (OPHC) currently trades at $8.93, while our model-based Fair Value estimate is $8.91, implying the stock looks roughly 0.3% fairly valued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $13.91 per share, and 3 of the 4 models we run sit above the $8.93 price.
Bear case: the Asset-Based group reads lowest at $6.66, and 1 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $7.62 (bear) to $16.38 (bull), the price of $8.93 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
OptimumBank Holdings, Inc. reported revenue of $71.1M in FY2025 versus $11.8M in FY2021, a compound +56.6%/yr. Reported net income was $16.6M in FY2025, compounding +27.5%/yr from FY2021.
Key figures
Market cap $110M · P/E ratio 15.1 · P/S ratio 3.54 · EPS (TTM) $0.5900 · Net margin 23.4% · Return on equity 14.9% · Return on assets (EBIT) 1.3% · Operating margin 44.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 128% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 0%, OPHC screens cheaper than that median.
Fair Value models
Bear $7.62Fair Value $8.91Bull $16.38
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.4332 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+10.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+46.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+59.0%
Start year 2020 (pandemic). Over 10 years: +30.6% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+18.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.2%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−3% vs −3%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−11% → 31%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−10.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −12.8% a year for the price.
Compare OptimumBank Holdings, Inc. with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside0% · Above median
Profitability
Return on equity (TTM)15% · Top 25%
Return on assets2% · Top 25%
Net margin (TTM)34% · Above median
Operating margin (TTM)45% · Above median
Growth and dividend
Revenue growth31% · Top 25%
Balance sheet
Debt / equity0.41× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "OptimumBank Holdings, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/OPHC
Frequently asked questions
Is OptimumBank Holdings, Inc. (OPHC) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $8.91 versus a price of $8.93, about −0% upside (fairly valued).
What is the fair value of OPHC?
Our model-based fair value for OptimumBank Holdings, Inc. is $8.91 (as of Sep 23, 2026), built from audited fundamentals. The current price: $8.93.
What is the quality score of OPHC?
OptimumBank Holdings, Inc. has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for OptimumBank Holdings, Inc. (OPHC)?
Our model-based price target is the fair value of $8.91 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $7.62, optimistic scenario $16.38. It is a calculation from audited fundamentals, not an analyst target.
What is the OptimumBank Holdings, Inc. stock forecast for 2026?
Our models put fair value at $8.91, about −0% upside versus a price of $8.93 (fairly valued). Cautious scenario $7.62, optimistic scenario $16.38. The calculation is refreshed regularly with new filings.
What is the revenue of OptimumBank Holdings, Inc. (OPHC)?
OptimumBank Holdings, Inc. reported trailing-twelve-month revenue of about $50.7M (latest available figure, as of Sep 23, 2026).
What growth is priced into OptimumBank Holdings, Inc. (OPHC)?
For today's price to be fair in a discounted-cash-flow model, OptimumBank Holdings, Inc. would have to grow free cash flow by -10.7 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +59.0 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of OPHC use?
Our models discount OptimumBank Holdings, Inc. at 11.2 %: a base by market capitalisation (micro), damped by beta 0.30, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For OptimumBank Holdings, Inc. that is -10.7 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has OptimumBank Holdings, Inc. (OPHC) delivered so far?
Over the past 5 years revenue at OptimumBank Holdings, Inc. grew +59.0 % a year. The price currently implies -10.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of OptimumBank Holdings, Inc. (OPHC) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into OptimumBank Holdings, Inc. (-10.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of OptimumBank Holdings, Inc. (OPHC)?
The free-cash-flow yield on the price is 15.46 %: that much free cash flow OptimumBank Holdings, Inc. produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of OptimumBank Holdings, Inc. (OPHC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OptimumBank Holdings, Inc. it is $8.91 per share (as of Sep 23, 2026), against a price of $8.93. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is OptimumBank Holdings, Inc. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, OPHC trades above its calculated fair value: price $8.93, fair value $8.91, a gap of about −0% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OPHC?
No. The price is what the market pays today ($8.93); the fair value is what the company's own numbers justify ($8.91). For OptimumBank Holdings, Inc. the two are $0.0220 per share apart. That gap is exactly why we show both numbers side by side.
How much is OptimumBank Holdings, Inc. worth?
The market values OptimumBank Holdings, Inc. at about $110M (market capitalisation, as of Sep 23, 2026). Per share that is $8.93; our models calculate a fair value of $8.91 per share.
What do the bullish and bearish scenarios say about OPHC?
Our models span a range for OptimumBank Holdings, Inc.: cautious scenario $7.62, base $8.91, optimistic $16.38 per share (as of Sep 23, 2026, price $8.93). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OPHC?
OptimumBank Holdings, Inc. trades at a price-to-earnings ratio of 15.1 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $8.91 is built from several models across several years. Other multiples: PEG 1.0, P/B 0.9, P/S 2.2, EV/EBITDA 2.0.
What is the PEG ratio of OPHC?
The PEG ratio of OptimumBank Holdings, Inc. is 1.03 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of OptimumBank Holdings, Inc. (OPHC)?
Balance-sheet figures for OptimumBank Holdings, Inc. (as of Sep 23, 2026): return on equity 14.9%, debt of 0.41 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is OPHC from its 52-week high?
OptimumBank Holdings, Inc. trades at $8.93, about 12% below its 52-week high of $10.10 and 128% above the low of $3.91 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $8.91 is for.
Which stocks are comparable to OptimumBank Holdings, Inc.?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is OptimumBank Holdings, Inc. stock attractive at the current price?
The data as of Sep 23, 2026: price $8.93, calculated fair value $8.91 (−0%), Quality Score 39/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OPHC calculated?
We run OptimumBank Holdings, Inc. through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $8.91, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. OptimumBank Holdings, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of OptimumBank Holdings, Inc. (OPHC)?
The closing price on Sep 23, 2026 was $8.93. Our model-based fair value is $8.91, about −0% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with OptimumBank Holdings, Inc. right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($7.62 to $16.38) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of OptimumBank Holdings, Inc.
How large is the market capitalisation of OptimumBank Holdings, Inc. (OPHC)?
The market capitalisation of OptimumBank Holdings, Inc. is $110M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of OptimumBank Holdings, Inc. (OPHC)?
The price-to-sales ratio of OptimumBank Holdings, Inc. is 3.54 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of OptimumBank Holdings, Inc. (OPHC)?
Earnings per share at OptimumBank Holdings, Inc. are $0.5900 (price ÷ EPS = P/E 15.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of OptimumBank Holdings, Inc. (OPHC)?
The net margin of OptimumBank Holdings, Inc. is 23.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of OptimumBank Holdings, Inc. (OPHC)?
The return on equity (ROE) of OptimumBank Holdings, Inc. is 14.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of OptimumBank Holdings, Inc. (OPHC)?
On an EBIT basis the return on assets of OptimumBank Holdings, Inc. is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of OptimumBank Holdings, Inc. (OPHC)?
The operating margin of OptimumBank Holdings, Inc. is 44.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at OptimumBank Holdings, Inc. (OPHC)?
Revenue at OptimumBank Holdings, Inc. is growing +31.2% versus a year earlier (3y avg +46.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at OptimumBank Holdings, Inc. (OPHC)?
Earnings per share at OptimumBank Holdings, Inc. are growing −37.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does OptimumBank Holdings, Inc. (OPHC) hold?
OptimumBank Holdings, Inc. holds more cash than debt, $61.8M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 23, 2026